The academic community has accumulated rich knowledge on key mobile payment service (MPS) characteristics that significantly influence consumer adoption. However, a principal assumption underlying the extant literature is that consumers work within a rational decision-making paradigm when making MPS adoption decisions. There is little MPS adoption research that empirically tests consumer adoption behavior from the alternative decision-biases perspective. Our findings demonstrate that MPS adoption behavior is a result of interactions between MPS characteristics and situational factors (i.e., purchase intention and time pressure). Further, our findings suggest that consumers’ decisions on MPS adoption do not necessarily adhere to rational behavior expectations and there are boundaries to conditions where rational MPS adoption decisions apply. Lastly, our findings reveal that situational factors interactively influence MPS adoption decisions.

学术界已经积累了有关关键移动支付服务（MPS）特性的丰富知识，这些特性极大地影响了消费者的采用。但是，现有文献的主要假设是，消费者在制定MPS采用决策时会在理性的决策范式下工作。很少有MPS采用研究从替代决策偏见的角度对消费者采用行为进行经验检验。我们的研究结果表明，MPS的采用行为是MPS特征与情境因素（即购买意愿和时间压力）之间相互作用的结果。此外，我们的发现表明，消费者对MPS采用的决定不一定遵循理性的行为预期，并且合理采用MPS的决定存在一定的条件限制。最后，